My 2 cents. Do you have fenders? I do wear full rain gear sometimes, although I do not like the pants. If you want dry feet, get shoe covers. Brooks makes a cover, for your saddle. (I have ridden a Brooks Professional for many years and still rides and looks great) The bike will be fine. As to the tent. I have set up many times in a down pour. It is a state of mind. It can't be helped. Make sure you seam seal the tent and there is a product that seals the tent floor. (I learned the hard way) I can't remember the name, but Campmor has it. Use your tent fly. If you don't have one, purchase a good self inflated matress pad. My tent was flooded but the matress pad saved me. I like my roll top Ortieb's paniers, especially, in the rain. Waterproof! They were floating in my tent. (It was an older Sierra Designs and I neglected to recoat the floor) I might add an outside pocket and new outside mesh pocket, to my Ortliebs. In the summer, there are times I rather ride in the rain. Finally, although in the minority, I like to stay at RV parks. Besides having, showers, pool, whirlpool, laundry facilities, snack machines, they also have a rec room that may be open, so if it gets unbearable, you would have a dry place to sleep.